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RV-Dreams.com Home -> RV-Dreams Community Forum -> Researching RV Living -> Health Insurance
Post Info TOPIC: Health Insurance
Auburn War Eagle


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Health Insurance
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When looking for health insurance for the 2 of us, Is it cheaper to get 2 individual policies or do a family policy? Will insurance companies let you do the 2 individual policies or do they make husband and wife take out a family policy?


If you part time like say 6-8 months out of the year, this needs to be disclosed to them when deciding which policy? From what I understand, some companies will not insure you if you full-time? Why?


I have read Howard's info about health insurance and what to look for. Does anyone else know of important things to remember when choosing your policy?


Does health insurance also tie into what state you pick as your home-base?


We have 6-7 years before we have to finalize this and I know alot can change. Just thinking about all these important issues!


Ann



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jomago


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There are so many health ins options and coverages that it's very hard to sum up.


In my case, we have/had medicare supplimental as a company retireree. The particular option we choose was fully paid for.   It did require we maintain residence in certain states/counties.  (for us it was tarrant county in texas, this will change depending on residence, there are many locations) Our coverage is in all states and locations. We have used the ER in Mesa, AR and the ER and operating room and recovery at Tucson Med center. All at no cost to us. Will admitt this was the only time we have ever needed/used med services while on the road. We can order drugs (3 mons ) from mail order and have it shipped to us.  


We arrange all of our checkups and test for when we are home. Of course all elective surgery is at home location,where we feel more comfortable.   


Have also found a great dentist at home that gives us a 25% old person discount. That's good because we don't have dental coverage.


 


 


To me health coverage is one of the most important issues.


We're all going to get older and experience an increased need for medical assistance.


Without proper coverage your full timing can be over quickly because the cost of medeical assistance can wipe out a lot of $$$$ in very short order.


We have had over $100K in medical fees/services in the last 6 monthes. Our co-pay totals was about $500.


 



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jmayleben


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Most of my experience is with Blue Cross Blue Shield of Michigan (most states have at least one version of BCBS and each are different)...

In Michigan to get Blue Cross, you need to maintain residency here but could "travel" for a good part of the year.

If you are out of state you would simply use the Blue Cross network that operates in the state that you are seeking service in. There is usually an exclusion for out of state wellness services. They usually require you to return to the state for those types of "voluntary" things.

Most policies are priced such that two singles are cheaper (slightly) than a double. Each insurance company has different policies on covering you separately. Most of the time it is not worth the hassle of getting classified as two... (at least in the group world (where my experience is)).

I hope that this helps. This is the one thing that we keep us tied to an employer in the future. I am very intrigued Howard's discussion about HRA/HSA health policies. If you have the ability to fund the deductable (or pay as you go out of cash flow) that might be the best way to go...

John.

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Tmcblane


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Go to Health quotes and you can get on line quotes without having to be bothered by calls from someone. It returns many policies from insurance carries in your area. You have to remember though that the quotes are assuming you are a fairly healthy person or couple and any health issues will alter the actual premium.

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